World Nomads Travel Insurance Review

Learn more about World Nomad‘s travel insurance policies to find out about their coverage and fees and compare them with other insurers today. 

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, updated on June 26th, 2023       

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For more than 20 years, World Nomads have been providing travel insurance and advice to people across more than 150 countries. Underwritten by Lloyd’s of London, the company provides a variety of policies for global travellers.

If you have your eye on one of World Nomads’ travel insurance plans, make sure to compare it to some of the other options available right now with Savvy. By considering a range of options with us before buying your policy, you'll have the best chance of finding the perfect travel insurance plan for your trip.

Compare World Nomads’ travel insurance policies with Savvy today, get a price and find out more about their policies today.

*Please note that Savvy doesn’t represent World Nomads for its travel insurance products.

More about World Nomads travel insurance

What travel insurance policies does World Nomads offer?

World Nomads offers two standalone travel insurance policies:

  • Standard Plan: this cheaper travel insurance policy covers you for benefits such as overseas hospital and medical treatment and limited coverage for your luggage if it’s lost, damaged or stolen. However, you won’t be covered for accidental death overseas, stolen cash or the excess on a hire car if you’re involved in an accident.
  • Explorer Plan: this top-tier travel insurance policy provides you with a stack of benefits, including overseas medical treatment, cancellation of your trip before you leave and the loss or theft of your bags and other personal items. By taking out this higher level of cover, you also get higher claimable limits.
Standard Plan Explorer Plan
Overseas medical expenses
$5 million
Hospital incidentals
Travel delays
Out of pocket expenses
Luggage and personal items
Personal liability
$1 million
$2.5 million
Luggage delay
Rental car excess

However, it’s crucial to compare your options carefully with Savvy. It makes no difference if you're going to Prague or Perth: there’s no point in purchasing a policy which doesn’t provide you with the coverage you need.

What optional extras are available through World Nomads?

World Nomads makes a few optional extras available to its travel insurance customers, including:

  1. Valuables cover: you can upgrade your policy to provide up to $6, 000 in coverage for high-value personal items you want to bring on your vacation, such as your brand-new laptop or the latest mobile phone. However, there is a $3, 000 limit per item.
  2. Adventure activities cover: a variety of high-risk adventure sports and activities, such as abseiling, bobsledding, deep-sea fishing, parachuting, rock climbing, snow skiing and snowboarding, are also covered by an upgrade to your policy. Depending on the activities you choose to engage in while travelling, there are two upgrades available.

What exclusions should I be aware of when buying travel insurance through World Nomads?

The following are a few examples of general policy exclusions from World Nomads:

  1. Travelling against Australian government warnings
  2. Loss of belongings if they are left unattended
  3. Claims for unapproved medical conditions
  4. Deliberately injuring yourself or attempting suicide
  5. Taking part in competitive adventure activities
  6. Training as a police officer or firefighter
  7. Loss of property seized by government

If you’ve found a travel insurance policy that draws your eye, make sure you review the Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of World Nomads travel insurance

What we like

Coverage for COVID-19-related costs

If you purchase World Nomads’ comprehensive travel insurance policy, you’ll be covered for COVID-19-related costs such as overseas medical expenses and out-of-pocket hospital costs.

Cheap policy excesses

If you need to make a claim on your travel insurance, the excess you’ll be required to pay in most cases will only be about $100, which is cheaper than those of other insurers who set them at $200 to $250.

Automatic cover for some medical conditions

World Nomads provides coverage for certain medical conditions, such as acne, some allergies, certain types of diabetes and epilepsy, meaning you won’t have to pay a higher premium to get coverage.

What we don't like

Low claim limits

Some of World Nomads’ claim limits are less generous than some of their competitors, such as the amount they allow you to claim for luggage, cancellation of your trip or the excess on your rental car.

Inflexible age limits

Unlike some other providers who have flexible or no age restrictions, World Nomads doesn’t allow those over the age of 70 to purchase a policy.

No domestic travel options

If you’re taking a trip within Australia, you won’t be able to purchase coverage, as World Nomads doesn’t sell domestic travel insurance policies.

Types of travel insurance

Why compare travel insurance with Savvy?

Why compare hotels with Savvy?

Frequently asked questions about World Nomads travel insurance

How do I make a claim through World Nomads?

If you need to make a claim on your travel insurance policy, World Nomads requires you to do it online and do it within 30 days of the claimable incident. You can do this online by logging onto World Nomads’ website.  You’ll then need to follow these steps:

  • Provide ample details about the claimable incident
  • Gather your supporting documents, including receipts, medical reports, valuations or proof of purchase documents
  • Submit your claim


The processing of your claim by World Nomads may take up to ten business days. To avoid delaying the process, it’s advisable to answer quickly if you are asked to expand on some areas of your claim.

How much will my World Nomads travel insurance cost?

There’s no exact average cost of travel insurance to follow, as the price of your premium is impacted by several factors. These include:

  • Your age
  • Destination (travel to some countries, such as travelling to Canada, can be more expensive because of their healthcare system)
  • Level of coverage
  • Optional extras you choose
  • Pre-existing medical conditions
  • Chosen policy excess
  • Type of insurer and insurance policy you purchase
Does World Nomads cover pregnancy under its travel insurance policies?

Yes – World Nomads will provide coverage up until the 26th week of your pregnancy if you become ill or injured while travelling and experience complications with your pregnancy. Travellers who are pregnant but who have had prior pregnancies with complications or who are travelling for fertility treatment are not covered.

What’s the difference between single-trip, multi-trip and one-way travel insurance?

Single-trip insurance only covers one trip, unlike annual multi-trip policies which provide coverage for several holidays throughout the year. A journey can last up to 45 days when it’s protected by a yearly multi-trip coverage. On the other hand, one-way travel insurance policies will cover trips taken without a confirmed return flight. However, it’s important to note that World Nomads doesn’t offer any annual or one-way travel insurance policies.

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We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.